Travel Insurance Claims Rejected? Here Are 5 Possible Reasons

In order to avoid disappointment and delays when it comes to travel insurance claims, check out these 5 reasons they could be rejected.

Getting a travel insurance may feel like a security blanket for everything that could go wrong on a trip, but it’s important to remember that just like any insurance claim, they have to be approved.

While most travel insurance claims are, in fact, successful, there is a chance that your claim may be rejected or submitted for further review. If this is the case, here are five reasons your claim may have gotten rejected.

To avoid disappointment or a delay on your travel insurance claim, familiarize yourself with the terms and conditions of the policy that you choose.

Don’t make these mistakes with travel insurance claims:

5.) You Can’t Cancel Your Trip For Whatever Reason

travel insurance claims stressed man

Before you cancel your travel plans, it’s important to realize that travel insurance is not just a backup for just any reason.

If you change your mind and want to cancel your travels, it’s important to realize that you must have a justifiable reason to do so. Most insurance companies cover cancellation costs of unforeseeable events, usually having to do with medical emergencies or natural disasters.

If your reasons for canceling your trip are not on the list of travel insurance coverage and what is covered, then it may be a good idea to rethink filing your travel insurance claims, and perhaps your travel plans.

Luckily, many hotels and flight companies offer cancellation-free options up to a certain number of days beforehand. Going this route will save you the time and disappointment of receiving a response that your file was denied.

4.) Your Cancellation Reason Wasn’t Eligible Under Your Plan

medical travel insurance claims may not be covered

Travel insurance companies offer multiple levels and types of coverage, ranging from basic, bare-bones coverage to more specialized, full coverage.

One common way to get rejected is to file for a reason that is ineligible with your current plan. , depending on what


You should carefully consider what your conditions are and what you want covered when comparing travel insurance plans. In most cases, you won’t go wrong with companies such as Seven Corners, Generali and Allianz Travel.

Depending on what type of trip you’re going on, you can add on extra protection or opt for insurances that offer a higher deductible to make sure you’re covered. If you’re going on a trip where you have a greater risk of injury due to extreme sports or the type of climate you’re going to, then it’s best to choose a coverage plan that offers just that.

World Nomads offer policies with the flexibility to add these types of specific coverage.

3.) The Claim May Not Be Properly Filed

travel insurance claims not filed properly

Your travel insurance claim could have been rejected for a simple error of paperwork, in which case you may just have to resubmit your claim the correct way. In this case, a simple email or phone call may be all it takes to get the information to correctly submit the documentation required.

Every insurance company has its specific guidelines to correctly filing a claim. The best way to avoid a denied claim is to carefully follow each step that the company offers. While this isn’t technically an official rejected claim, it is an easily avoidable way to prolong the process.

2.) Travel Insurance Claims: You Need More Documentation

file your travel insurance claims paperwork

The most common way to get a claim rejected is for a lack of proper documentation accompanying your claim. The No. 1 requirement for proper documentation for any insurance claim is making sure you have every official document to support it. If you’re canceling a trip because of a medical emergency, be sure to get not only the doctor’s note that says you can’t travel but also the insurance’s physician form. It’s also important to keep track of all receipts and itemized bill for all expenses while traveling.

It is basically important to keep track of any related expenses you may have related to your reasons for cancellation, this way you can provide the company with the necessary information for them to approve your claim.

1.) You Waited Too Long To Purchase Travel Insurance

travel insurance claims snow storm

If you originally decided against travel insurance but decided to book it later, this can make filing a future claim a bit tricky. Let’s say you see a weather forecast that looks less than favorable, so you decide to insure your travels just in case.

In the event that you do file a claim, it could be difficult to prove that you did it without knowing. Most insurance companies will provide coverage for sudden, unforeseen events. Signing up for a plan while there is already news of a hurricane will unfortunately not count toward that criteria. To be safe, get insured the moment you book your flight tickets.